– AAA Lendings Portfolio Program – AAA Lendings Detail:
Overview
Portfolio Bank Statement
Portfolio DSCR
Portfolio Foreign National DSCR
* Retail Only
Details
1) 5/6 ARM 30 Day Average SOFR (5/1/5);
2) Buydown ratio under par 1:2;
3) Range of Loan Amount $500,000 – $5,000,000.
* Buyup ratio over par unacceptable
What’s this program?
Portfolio Bank Statement
1) Lender Fee same as portfolio program;
2) Trust/Entity Review, if applicable $300;
3) TX Doc Review, if applicable $150;
4) Bank Statement Income LTV Max 65%;
5) Bank Statement – Interest Only Max LTV 60%;
6) Minimum Loan Amount $500,000;
7) Foreign National – Not Eligible;
8) 18-Month Pre-Payment Penalty is equal to 6 months interest.
Portfolio DSCR
1) Lender Fee same as portfolio program;
2) Trust/Entity Review if applicable $300;
3) TX Doc Review if applicable $150;
4) Minimum Loan Amount $500,000;
5) Foreign National – Not Eligible;
6) Minimum DSCR 1.000;
7) Loan Made to Natural Person – No Entity Borrowers;
8) 2-4 Unit Property Eligible and 5% Reduction in Max LTV/CLTVs on Matrix;
9) 18-Month Pre-Payment Penalty is equal to 6 months interest.
Portfolio FN DSCR
1) Lender Fee same as portfolio program;
2) Trust/Entity Review if applicable $300;
3) TX Doc Review if applicable $150;
4) Foreign National Review $250;
5) Minimum Loan Amount $500,000;
6) Minimum DSCR 1.000;
7) Interest Only – Not Allowed;
8) Power of Attorney – Not Allowed;
9) Pre-Payment Penalty (Investor only) is 18 months and equal to 6 months interest.
How to Calculate Portfolio DSCR?
DSCR shall be calculated as follows: DSCR = *Net Rental Income ÷ Qualifying Monthly Payment (P and I only);
*Net Rental Income = Gross Rents * (1 – Expense Factor);
Expense Factors: Property without HOA = 25%, Property with HOA = 30%;
Rent will be the lesser of: Current lease income or the amount on the 1007 provided by the appraiser showing the estimated market rent schedule.
Product detail pictures:

Related Product Guide:
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